Step 1
Service Request
A service request is filed online or through a call after a home system or appliance breaks down
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Premium$53-$60
Service Fee$75
LimitUpto $1.5k/item
Activation 30 Days
Cancellation Fee
$50
|
Premium$46-$55
Service Fee$60-$85
LimitUpto $3K/item
Activation 30 Days
Cancellation Fee
$50
|
Premium$60-$65
Service Fee$60-$100
Limit$3k/item
Activation 30 Days
Cancellation Fee $75
|
Premium$39-$60
Service Fee$75-$125
Limit$6K-Unlimited
Activation30 Days
Cancellation Fee
N/A
|
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Useful tools like home maintenance calculator and home affordability calculator available for effective decision-making
Our methodology ensures a proper balance between user experience and objective details unearthed through editorial research. We follow this approach to ensure prospective customers get helpful and actionable information to help them make the right decision.
Our methodology considers these parameters for our review and ratings process:
A home warranty is a service contract that protects household items from normal wear and tear. It includes essential home systems and major appliances but doesn't cover damage from natural disasters, theft, and vandalism.
The short answer to this question is Yes! A home warranty can keep you away from the hustle-bustle of finding the perfect technician if a home appliance or home system tears out.
A home warranty covers various significant home systems and appliances, irrespective of age. Most companies cover all major heating and cooling components, plumbing systems, laundry and kitchen appliances, and more.
Understand the kind of home warranty coverage - systems and appliances covered or excluded in this detailed guide on Home Warranty Coverage.
Home warranties can protect you from costly repairs and replacement of major home items that can burn a hole in your pocket. It is an excellent way to shield your budget and keep the appliances and systems running for a more extended period. To help you decide whether home warranties are worth it, go through our detailed guide - How To Decide Whether Home Warranties Are Worth It.
Step 1
A service request is filed online or through a call after a home system or appliance breaks down
Step 2
The service request gets processed by the home warranty company. After processing the request, a professional technician is assigned per your problem.
Step 3
The technician arrives at your doorstep and checks the system or appliance, and suggests a repair or replacement. At this time, you are required to pay the service call fee as per your contract.
Step 4
If the repair is insignificant and the contractor has the required part, it is repaired immediately. Though, if a replacement is required, a scheduled follow-up appointment will be provided to you.
Step 5
Once the repair or replacement is done, you will get a fully functional system or appliance.
America's Oldest Home Warranty Reviews & Research Platform. Home To The Largest Pool Of Reviews, Tips & Offers!
America's Oldest Home Warranty Reviews & Research Platform. Home To The Largest Pool Of Reviews, Tips & Offers!
America's Oldest Home Warranty Reviews & Research Platform. Home To The Largest Pool Of Reviews, Tips & Offers!
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Are Home Warranties Tax Deductible?
If a home warranty is bought for a primary residence, it isn’t tax-deductible on the federal return. But, home warranty premiums can be tax-deductible if it’s taken for an income-producing building.
If you are a tenant in a house who enjoys a home warranty plan that you pay from your pocket, you can’t claim an exemption on the premium. It is only the owner that can benefit from it as a deductible expense.
How Long Are Home Warranties Good For?
Typically, the home warranties are good for one year. The service agreement can get renewed every year. During the first year of enrollment, a new user is also provided a few months of free coverage. Many reputable companies provide multi-year plans for coverage. You can also choose the company’s services for 2-6 years on a single purchase.
Do Any Home Warranties Start Immediately?
No, home warranties typically don’t start immediately. If you buy a home warranty through a real estate transaction, the coverage will start on the day the deal gets closed. However, there is a typical 10-30 days waiting period for the new home warranty. However, if the earlier owner transfers ownership, the coverage will start immediately.
What Is The Difference Between A Home Warranty And Home Insurance?
A home warranty differs from home insurance regarding what they both cover. Home insurance protects the property from structural damage and emergencies such as fire or theft. On the other hand, a home warranty protects and offers repairs and replacements of home systems and appliances from normal wear and tear. In short, a home warranty and home insurance protect different parts of the home.
Who Pays For The Home Warranty Buyer Or Seller?
Home warranties can either be bought by the buyer or seller or even gifted by real estate agents after a home is purchased. A home warranty benefits all parties included in the transaction as it offers peace of mind and even cuts down the professional service charges.
How To Determine If A Home Warranty Is A Scam?
With the increase of people purchasing home warranties, there is a significant increase in home warranty scams. Here are some of the ways how you can determine if a home warranty is a scam:
Can You Cancel A Home Warranty Anytime?
Yes, you can cancel a home warranty anytime. However, this depends on the Home warranty companies’ terms and conditions. Some companies charge cancellation fees, but a full amount is also offered if you cancel the plan within 30 days. So, make sure to research before you choose one for your home.
Can A Home Warranty Claim Be Denied?
Yes, the respective home warranty company can deny a home warranty claim. That is why we advise you to read its terms and conditions before signing up. Some of the reasons why your home warranty can get denied include:
Who Regulates A Home Warranty?
Home warranties are typically regulated on a federal and state level. Depending on the state, the regulation of a home warranty gets changed. For instance, home warranties in Texas are regulated by the Texas Real Estate Commission, home warranties in Florida are regulated by the Florida Office of Insurance Regulations, and in New York, the home warranties are regulated by the Department of Financial Services.
Do Home Warranties Cover Pre-Existing Conditions?
Not all home warranties cover pre-existing conditions, but some companies cover them. The top three companies covering them include American Home Shield, Select Home Warranty, and 2-10 Home Buyers Warranty.